What Is Supplemental Security Income?

July 10, 2025

Supplemental Security Income (SSI) is a federal program that helps people who are disabled, blind, or elderly and have limited income and resources. The program is designed to provide financial support to those who need it most, helping them maintain a basic standard of living when working is difficult or impossible.


A Short History of SSI

Established under Title XVI of the Social Security Act, the Supplemental Security Income program was created in 1972. Unlike Social Security retirement or disability benefits, which are earned through a worker’s payroll taxes, SSI is a need-based program.


Administered by the Social Security Administration (SSA) but funded by general tax revenues—not Social Security trust funds—SSI provides monthly cash payments to individuals and couples who meet very stringent criteria. More than 7 million people rely on SSI benefits, including over 1 million children with disabilities.


SSI is more than simple financial aid. For many recipients, these monthly payments represent the only reliable source of income, helping them pay for food, rent, utilities, and essential medications. Without SSI, countless Americans would face homelessness and malnutrition, or forgo important medical care and prescriptions.


Through this support, SSI helps stabilize communities by reducing the strain on local charities and healthcare systems. By keeping vulnerable individuals housed and supported, the SSI program promotes public health, reduces emergency service usage, and sustains a baseline of economic participation even among those who cannot participate in the workforce.


Who Is Eligible for SSI?

Supplemental Security Income benefits are for people who are:

  • Disabled,
  • Blind, as defined by law, or
  • Age 65 or older.

Beyond these thresholds, the applicant must have limited income and limited resources. As of 2025, claimants generally must have countable resources of $2,000 or less, or $3,000 for couples. Certain assets—such as your home, a single vehicle, and some personal effects—are excluded.


Many people are surprised to learn just how low the resource limits are for SSI eligibility. The current caps have not changed in decades; they don't adjust with inflation. As a result, even modest savings can disqualify someone from receiving SSI benefits. Congress has considered proposals to increase these thresholds, and current rules allow some individuals to maintain greater assets in specific types of trust accounts, such as special needs trusts. 


It is important to distinguish income (wages, Social Security benefits, etc.) from assets (savings, investments, property), which impact eligibility and benefits in different ways. Both income and assets, however, can render someone ineligible for SSI benefits.


How Is Disability Determined for Adults?

To be found "disabled" for SSI purposes, an adult must show that they have a medically determinable physical or mental impairment—or a combination of impairments—that prevents them from performing substantial gainful activity (SGA). The condition must be expected to last at least 12 consecutive months or result in death. In layman’s terms, to get SSI benefits, you must be unable to work full-time for at least a year.


The SSA uses a five-step process to make this determination. This process asks whether the claimant is currently working above the SGA threshold, whether they have a severe medical condition, whether any of their conditions meet or equal the high standards detailed in the SSA’s Blue Book, whether the person can return to their past relevant work, and whether the claimant can perform any other work considering their age, education, and work experience. Each step ensures that benefits only go to those who can't work.


Many SSI claims ultimately reach the hearing level, where they are decided by an Administrative Law Judge (ALJ). At this stage, the claimant is required to submit evidence and is often asked to testify. In most hearings, a vocational expert hired by the Social Security Administration will testify about the types of jobs available to people with similar limitations. Claimants or their representatives can cross-examine this witness to challenge whether such jobs are realistic, or even exist. 


How Is Disability Determined for Children?

For children under the age of 18, the Social Security Administration uses a different standard to determine disability. Instead of evaluating whether a child can work—most kids, after all, couldn't hold down a job, and we don't expect them to do so—the SSA examines whether the child has an impairment that results in "marked" or "extreme" limitations, or a combination of conditions that results in functionally equivalent limitations.


SSA assesses a child's abilities by comparing the child to their same-aged peers without impairments. This includes evaluating the child's learning, mobility, communication, and social interactions. If the child’s condition meets or medically equals one of the listings, or functionally equals them in severity, the child has satisfied the non-medical eligibility requirements for SSI benefits.


How Much Does SSI Pay?

The SSI payment amount is not fixed but varies based on living arrangements and countable income. As of 2025, the federal benefit rate (FBR) is $967 per month for individuals and $1,450 for couples. Some states supplement these federal amounts with additional payments.


Moreover, in some states, SSI recipients may become automatically eligible for Medicaid and other assistance programs. SSI thereby becomes the foundation for receiving several types of social aid.


But SSI monthly payments may reduce due to other considerations, most notably in-kind support and income.


For individuals who live in someone else's household and receives free shelter from that person, the Social Security Administration may apply what's called the Presumed Maximum Value (PMV) rule. Under this rule, the SSI benefit is typically reduced by one-third of the Federal Benefit Rate (FBR) plus a small amount, which in 2025 totals a reduction of approximately $334 for individuals. This means that instead of receiving the full $967, an individual affected by the PMV rule would receive about $633 per month. As of September 30, 2024, the Social Security Administration no longer considers whether someone receives free food when reducing SSI payments due to in-kind support.


In addition, income reduces the SSI benefit amount on a dollar-for-dollar basis after certain exclusions are applied. The first $20 of most income received in a month is not counted, nor is the first $65 of earnings. After that, SSI benefits are reduced by half of the remaining earned income. 


How to Apply for SSI Benefits

You can apply for SSI through:

  • A paper application (form SSA-8000-BK or SSA-8001-BK)
  • A phone call with the Social Security Administration
  • Less commonly, visiting a local SSA office


It can be daunting to apply for SSI. The application process typically requires gathering a significant amount of documentation, including detailed medical records, financial statements, and proof of living arrangements. Applicants must also navigate rules and eligibility standards, as well as procedural requirements and deadlines, that can be difficult to interpret. Nonetheless, it's important put in the effort to get these things right: Mistakes or incomplete information can lead to delays or denials.


Final Thoughts on SSI

Supplemental Security Income (SSI) provides basic financial support to disabled and elderly individuals with limited means. For many recipients, including children, it's the difference between stability and hardship, possibly even homelessness. Donoff & Lutz, LLC  represents claimants navigating the application process, including people applying for the first time and those appealing denials.


Disclaimer: The information provided in this blog is for general informational purposes only and does not constitute legal advice. Reading this blog does not create an attorney-client relationship. For advice specific to your situation, please contact Donoff & Lutz, LLC directly to speak with an attorney.

By Zachary Lutz November 19, 2025
If you’re applying for Social Security disability benefits, the Social Security Administration (SSA) will encourage you to track your application through its online portal: “my Social Security.” With due respect for the good people at SSA, we very strongly encourage you to ignore the my Social Security portal (or, at least, to use it only for limited purposes). The Portal is Mostly a Prediction: An Analogy to the Domino’s Pizza Tracker Once upon a time, I went to a party where we ordered Domino’s pizza (still my wife’s favorite). As a bit of tongue-in-cheek fun, we put the famed Domino’s pizza tracker on the TV and cheered every step of the way. Everyone knows, of course, that the Domino’s pizza chef isn’t typing in status updates on every pie. The pizza maker doesn’t have time to update everyone whether they’re tossing the dough, spreading the sauce, adding cheese, watching the oven . . . if you’ve ever worked food service, you know that just isn’t possible. Instead, Domino’s just approximates how long each step takes, and presumably provides actual updates at some steps. For example, when the pizza chef hits “complete” on an order ticket, Domino’s probably has its kitchen system connected to the pizza tracker and can say that they’re waiting for the delivery driver to pick up your order. Although Domino’s is mostly estimating the pizza-making process, Domino’s does an excellent job. It’s an efficient, predictable (and tasty) pizza shop. Indeed, government technologists have explicitly admired the Domino’s pizza tracker! The my Social Security portal also just estimates how far a claim has proceeded through the disability review process (SSA representatives told us as much), but unlike the Domino’s pizza tracker, SSA does a bad job of estimating how long its process takes. And you can’t much fault the agency: due to funding deficiencies, it still has deeply outdated computer systems, and it’s hard to estimate disability claim processing times when claims take wildly different amounts of time to review. Why You Shouldn’t Rely on the my Social Security Portal If it’s not enough that you learn that the portal is simply an estimate of your claim's processing status, please consider some discrete reasons that you should ignore the portal: 1. The my Social Security portal is often wrong and can cause emotional distress. About once every other week, I speak to someone that saw something demonstrably wrong in the my Social Security portal. Many errors are minor. But it is incredibly disheartening to tell someone that they haven’t actually been approved for benefits, or that their benefits are less than the portal says. A few times, our clients have had anxiety attacks after the portal (wrongly) told them that their claim was denied. We’re not the only ones that have seen these problems, and notable computer errors have misled millions of recipients. 2. Even when correct, the portal might induce you to make mistakes. I have always worried that a claimant will see their claim was “approved” in the portal and subsequently ignore future SSA communications. The “approval” can be misleading, such as cases where a claim has been medically approved but still requires other steps before the benefits are paid. Or, in another example, we have had a client who saw their claim was “approved” on the portal, but who did not realize (because the portal did not tell them) that this approval was based on a significantly amended onset date. The claimant need to appeal the approval if they wanted to pursue all of their potential benefits. 3. The portal doesn ’ t include all the necessary information—if you overly rely upon the portal, you risk not communicating with SSA. The SSA says the portal will show your filing date, servicing office, scheduled hearing (if any), etc. The SSA only says it will show about that much. So many steps in a disability application are not reflected in any meaningful way online, possibly including some documents that require response. You cannot assume the portal will always alert you. If you miss a request because you believed “the portal is doing everything,” your claim could be delayed or even denied. 4. You might tolerate unjust delays because the portal suggests that everything is okay. The portal might tell you that your claim is “filed” or “in review,” but that doesn’t mean everything is hunky-dory. Since many claims face delays, missing evidence, or appeals, the portal status provides very little actionable insight. Relying on a superficially unchanged status could lull you into thinking nothing is required on your part, when in fact you may need to do something. It’s hard to know what to do, sometimes, but if you have a good attorney, they should handle things so you don't have to worry too much. What you should do instead Keep detailed records of your application: dates filed, copies of everything submitted, notes of calls with SSA or DDS, names of people you talk to, etc. Call your local SSA field office or the relevant DDS office (or your attorney) if you haven’t heard anything meaningful for more than a couple months. Respond promptly to SSA and DDS requests for information. Keep Social Security (and your attorney, if you have one) updated on your contact information, especially your phone number and mailing address. When Should You Check the Portal? It might feel reassuring to check the portal. But the portal often lags, omits, or misrepresents disability claim processing. As explained above, if you watch the portal too closely, you risk delays, errors, and emotional distress. That said, there are limited reasons to use the portal. Most notably, it can quickly provide your earnings history, which SSA is often slow to release otherwise. In general, check the portal if you’re looking for something specific—but don’t rely on it for vital claim information. What You Can Check Instead While you mostly will receive updates from the Social Security Administration through paper notices, there’s another way to follow claims: through Appointed Representative Services, authorized Social Security disability representatives have access to the Appeals and Appointed Representative Processing Services (AARPS) portal and the Electronic Records Express (ERE). The AARPS and ERE portals aren’t perfect, or complete, but they provide more reliable information than the my Social Security portal. Unfortunately, only appointed representatives—attorneys, for the most part—have access to these portals. So you will need to check with your attorney for updates that might show on these portals. Still, by far the most complete way to monitor steps in your claim: Watch your mailbox and read the letters that the Social Security Administration mails to you. Disclaimer: The information provided in this blog is for general informational purposes only and does not constitute legal advice. Reading this blog does not create an attorney-client relationship. For advice specific to your situation, please contact Donoff & Lutz, LLC directly to speak with an attorney.
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The Social Security Administration Office of the Inspector General (OIG) published a July 2025 report identifying, among other things, how long it takes to receive an initial decision in a Social Security disability claim. While other information has occasionally surfaced about initial claim processing times, the OIG report is presumably the most reliable and trustworthy source. In 2024, an initial disability determination took 238 days to process, on average. But processing times vary widely from state to state. At the quickest, Rhode Island had a five-year processing average of 124.6 days. At the slowest, Alaska had a five-year processing time average of 216.5 days. Given its unique geography, of course, we might spare the Alaska disability determination services unit from harsh criticism. Here in Ohio , we receive a decision within about 4.5 months, on average. Why Disability Claim Wait Times Vary by State Disability processing times vary by state primarily due to differences in state-level resources, staffing levels, and case volumes within each Social Security Disability Determination Services (DDS) office. While the Social Security Administration (SSA) sets national guidelines, each state administers its own DDS, which means local factors—like budget constraints, hiring backlogs, or higher-than-average application rates—can lead to longer or shorter wait times. Additionally, some states may have more experienced staff or streamlined procedures, which can improve efficiency, whereas others might face delays from outdated systems or higher turnover. The Human Cost of Delays in SSDI Decisions Claimants regularly report that these processing times cause immense problems. If you can't work, after all, you won't make any money during the more than seven months (on average) that it will take to receive an initial disability decision. And, of course, many applications will take even longer, whether due to poor luck, difficulties during processing, or state-by-state variation. The majority of claims are also denied at the initial level, and those claims will require more time to appeal. How to Speed Up Your Disability Application To potentially speed up your application, we offer a few tips. 1. Submit a Complete and Accurate Application First, make sure that the initial application is complete and well-documented . Be thorough when describing medical conditions, symptoms, work history, and functional limitations. Incomplete or inconsistent information often leads to delays, or even denials that require appeals. Double-checking all forms for errors and submitting supporting documents with the application can save time and reduce the likelihood of additional requests from the SSA. 2. Respond Promptly to All SSA Requests Second, once a claim is filed, the SSA or DDS might contact an applicant for additional information or to schedule consultative exams. Responding promptly to all phone calls, letters, and requests helps prevent delays. Missing a scheduled exam or failing to return paperwork can stall or derail the decision-making process. 3. Explore Expedited Options if Applicable Finally, SSA will sometimes expedite a claim following a “ dire need ” request—for example, if the applicant is at risk of homelessness. Additionally, the SSA has a “ TERI ” (Terminal Illness) process and Compassionate Allowances (CAL) program to fast-track claims involving certain severe conditions. We will admit that, in our anecdotal experience, these designations do not always seem like they accelerate processing times. Disclaimer: The information provided in this blog is for general informational purposes only and does not constitute legal advice. Reading this blog does not create an attorney-client relationship. For advice specific to your situation, please contact Donoff & Lutz, LLC directly to speak with an attorney.
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If you’re facing challenges when applying for Social Security disability benefits, you’re not alone. Welcome to the blog of Donoff & Lutz, LLC , a boutique Social Security disability law firm based in Dayton, Ohio. With nearly 50 years of experience handling Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims, our firm—indeed, our family—has proudly helped more than ten thousand Ohioans secure their well-earned disability benefits.